How Your Benefits Are Determined If You Are Disabled and Working
If, after you complete the 180-day Elimination Period, you remain disabled and work while you are disabled, you may continue to receive a reduced monthly benefit under IDI.
In order to be considered disabled while working, your monthly disability earnings must be equal to or less than 80% of your "prior monthly earnings." (Your "prior monthly earnings" are your monthly pre-disability earnings adjusted each anniversary of your claim by the greater of 2% or the current annual percentage increase in the Consumer Price Index (CPI). In no case will the adjustment be more than 10%.)
If your earnings while disabled are equal to or less than 80% of your prior monthly earnings, Unum will determine your IDI Plan benefit as follows:
- During the first 12 months of working while disabled, you'll receive the regular monthly IDI benefit you're eligible to receive from Unum, unless your earnings while disabled plus your IDI benefit exceed 100% of your prior monthly earnings. If the amount exceeds 100%, Unum will subtract the amount over 100% from your monthly IDI benefit.
- After the first 12 months of working while disabled, you'll receive the IDI benefits from Unum proportionate to your loss of earnings due to your disability.
While you are working and receiving IDI benefits, Unum requires that you provide proof of your earnings while disabled. Proof of earnings includes any appropriate financial records that Unum believes are necessary to determine your earnings while disabled.
Please Note: If you're disabled and working for less than one month after the elimination period, Unum will send you 1/30th of the amount that your monthly payment otherwise would have been for each day of your disability.